CMS Price Transparency Data

Occupational therapy (self-care training)

Facility: Charleston Area Medical Center

Billing Code: 97535 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97535
Insurance Median: $76
Cash Discount Price: $229
vs. Medicare Baseline: 2.35x Medicare

The contracted insurance negotiated median rate for a Occupational therapy (self-care training) at Charleston Area Medical Center is $76. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $229. Compared to the federal Medicare reimbursement reference rate of $32.4, this hospital’s rate is 2.35x the Medicare baseline. Located in 501 Morris Street, Charleston, WV.

Cash / Self-Pay

$229

Average discount available for prompt cash payment at this facility.

Insurance Median

$76

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$32.4

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $32.4 (100%)

Cash / Self-Pay: $229 (707%)

Insurance Median: $76 (235%)

Cash: $229 (707% of Medicare)

Ins. Median: $76 (235% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $32.4 as the cost baseline. Rates below the baseline represent excellent value. In-network commercial rates commonly hover around 150% - 250% of Medicare, while rates exceeding 300% are elevated. Hover over the green and blue markers to view detailed calculations.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 235% of the Medicare baseline (a markup of 135%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

Out-of-Pocket Cost Estimator

Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.

Billing Status

Remaining Deductible ($)

Your Coinsurance Rate (%)

Input your details and click calculate to compare out-of-pocket costs.

Commercial Insurance Negotiated Rates

Negotiated contract ranges established by major commercial carriers at this facility.

Carrier / Plan Group	Contract Rate Range	vs. Medicare Reference
Aetna	$25 - $224	77%
The Health Plan Of West Virginia Inc.	$25 - $222	77%
Unicare Health Plan Of West Virginia Inc.	$25	77%
Triwest Va	$29	90%
Blue Cross Blue Shield	$30 - $209	93%
Choicecare Network	$30 - $224	93%
UnitedHealthcare	$31 - $224	96%
West Virginia Senior Advantage Inc.	$32	99%
Optimum Choice Inc.	$34	105%
Integrated Medical Solutions	$59	182%
Naphcare	$61	188%
Caresource	$76	235%
Tricare	$137	423%
City Of Charleston	$172	531%
Cigna	$213	657%
Three Rivers Providers Network	$222	685%
Healthsmart	$224	691%
Multiplan	$224	691%

Self-Pay Upfront Cash Action Plan

Request a "Self-Pay classification" with the billing desk before receiving care.
Ask for a written "Prompt-Pay Discount" agreement quoting the price of $229.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 97535.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Charleston Area Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 97535.
Confirm the specific physician or imaging center is also in-network (not just the hospital building).
Audit your Explanation of Benefits (EOB) against the final itemized hospital invoice.